States › Tennessee › Gallatin

Is Gallatin, TN expensive to live in?

OKRent takes 23 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,6198% lower than U.S. average
💵 Families earn per year (2026)$83,603about $6,967/month · 4% lower than U.S. average
🔑 House price$372,00012% higher than U.S. average

Rent is lower than in 52% of U.S. cities. A typical house costs about 4.4 years of household income.

How much money do I need?

To rent here comfortably, you should earn about $64,760 a year. That is $31 an hour at a full-time job.

Is rent cheaper than other Tennessee cities?

No. Rent here is more expensive than in most of Tennessee. It is number 83 of 114 cities from cheapest to most expensive.

Gallatin
$1,619
Cleveland
$1,231
Collierville
$2,229
Brentwood
$3,500+
Columbia
$1,207
Lebanon
$1,525
Spring Hill
$2,022

How much do households earn in Gallatin?

Under $25k
15.5%
$25k–50k
21.0%
$50k–100k
34.2%
$100k–150k
15.1%
$150k+
10.3%

Share of households by yearly income. 25.4% of households earn $100,000 or more.

Rent by apartment size in Gallatin

SizeGallatinU.S. average
Studio$1,678$1,338
1 bedroom$1,321$1,324
2 bedrooms$1,516$1,509
3 bedrooms$1,560$1,698
4 bedrooms$1,831$2,098

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Gallatin overall?

Everyday prices in Tennessee overall are 8% below the U.S. average (index 91.9, U.S. = 100).

Housing
79
Goods (food, clothes…)
96
Utilities
72
Other services
95
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Gallatin, so the Tennessee figure is shown.

Taxes and bills in Gallatin

🏛️ Property tax$2,003a year · 0.54% of home value · U.S. $3,119
⚡ Electric bill$132a month (typical) · U.S. $156

Life in Gallatin

Commute to work26.4 minU.S.: 26.4 min
College degree33.5%U.S.: 35.7%
Own their home57.1%U.S.: 65.2%
Below poverty line13%U.S.: 12.5%
Unemployment3.1%U.S.: 5.2%

Is it cheaper to rent or buy in Gallatin?

Renting is cheaper right now: about $962 a month less.

Renting
$1,619
Owning
$2,581

Owning assumes a typical $372,000 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $37,200 for the down payment.

Frequently asked questions

What is the average rent in Gallatin, TN?

Renting in Gallatin costs a median of about $1,619 a month in 2026, including utilities. The Tennessee median is $1,279.

How much do I need to make to live in Gallatin?

To keep rent under 30% of income, you need about $64,760 a year, or $31 an hour at a full-time job.

Is Gallatin cheap or expensive?

Gallatin is rated OK: rent takes 23.2% of the typical household income of $83,603. It ranks 83rd cheapest of 114 Tennessee cities we track.

How much are property taxes in Gallatin?

The median homeowner in Gallatin pays $2,003 a year in property taxes, about 0.54% of the median home value.

Is Gallatin more expensive than the national average?

Overall prices in Tennessee are 8% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Gallatin?

The median home value in Gallatin is $372,000, about 4.4 times the typical yearly household income.

48,532 people live in Gallatin. Numbers are typical (middle) values.